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paying with credit or debit cards

Merchant Processing

Merchant’s PACT Merchant Processing Program

FCB’s Merchant’s PACT program helps businesses save money, gain protection, and obtain control of their processing rates and fees.

We make it easy:

  • No switch obligation – we can improve your pricing with your current processing company
  • Competitive bid evaluations and negotiations.
  • No new processing equipment or solution required – access to any type of POS solution (tablet POS, integrated POS, wireless terminal, terminal, mobile, ecommerce)
  • Protection against price increases and billing errors – your monthly processing statements are audited to ensure there are no rate increases and check for billing errors
  • Reimbursement negotiations with your processor, so you get money back for inaccurate fees.
  • Service escalation – talk to real people when you need help.
  • Customer notifications of necessary security and equipment updates.
  • No effort or time on your part – we manage your processing relationship.

Often, we are able to negotiate lower fees with your current provider, so unlike traditional merchant service companies – you are not forced to switch providers. It’s easy and it’s FREE! Simply bring your monthly processing statements to us for a FREE analysis. If we are not competitive with your current provider – we will tell you!

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Special Promotion!

Ready to accept debit and credit cards? We make it easy with no application fees, and no setup fees!

Sign up with FCB’s merchant processing and receive a FREE Mobile Reader! Offer valid through September 30th. Sign up at any FCB Banking Center or email businessbanking@fcbheartland.com for more information.

*Subject to the following terms and condition: Business must sign a three-year agreement, if business closes before three years is up, the businesses will be charged for the equipment cost. Business must start processing within 30 days of signed agreement, or the business will be charged for the cost of equipment. Business will be charged a $25 monthly fee to cover costs incurred by Merchant’s PACT. This offer is only eligible for merchants who have an average sales transaction of $15 or more. This is calculated on a monthly basis. Should average ticket requirement not be met, Merchant’s PACT reserves the right to close the associated merchant account. Merchant’s PACT is not liable for any occurrence fees from the processor that may include but is not limited to Chargeback Fees, Retrieval Fees, PCI Non-Compliance Fees, ACH Reject Fees, ACH Changes, Voice Authorization Fees, Monthly Card Network Fees, Annual Card Network Fees, or any other services that the Business may elect to utilize. Offer valid through September 30th, 2025.